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The 401(k) Plan Is in So-So Shape at Too Many Companies, Critics Say
The Wall Street Journal; subscription may be required 
Mar. 12, 2012
"The plans weren't originally designed to be the nation's primary retirement lifeline -- they started as a minor tax perk for senior executives -- but they've grown inexorably, as ever more big companies have used them as a cheaper alternative to traditional pensions.... And yet, as many economists and money pros know and as more employees are beginning to realize, the plans are riddled with problems capable of tripping up even the most diligent investors."
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